Business Insurance Consulting

10/10/2026

Storm season is the wrong time to find a cover gap. Brisbane and Queensland businesses can review while commercial premiums soften.

Projected falls from 1 October: property 11%, public liability 9%, professional indemnity and D&O 5%. Yet reporting says one in three Cyclone Reinsurance Pool properties lacks storm surge cover. Check valuations, flood/storm terms, limits, excesses and interruption cover.

Our 9 October guide shows how a cover review finds gaps before a claim: https://businessinsuranceconsulting.com.au/blog

Checklist: Update values; check storm/flood terms; test recovery periods; declare new work, subcontractors and vehicles.
Poll: What would you check first? A) Values B) Storm/flood C) Interruption

Follow Business Insurance Consulting for more tips on protecting your Brisbane business.
Facebook: https://www.facebook.com/busincoCraig | LinkedIn: https://au.linkedin.com/company/business-insurance-consulting

[email protected] | 0412 212 099 | https://businessinsuranceconsulting.com.au

Disclaimer: This info is general advice only and doesn't consider your personal goals or financial situation. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Business Insurance Consulting Pty Ltd: ABN 18 646 168 096 CAR No: 1278410 Authorised Representative of Community Broker Network - AFSL 233750

10/10/2026

When treatment is delayed or disputed, clear records can matter.

For Brisbane and Queensland dental practices, document the original plan, every change, the reason for it, patient consent, costs discussed, referrals, delays and follow-up instructions. Record what was explained, when it was discussed and what the patient accepted or declined.

Quick check: Can your team show what changed, why it changed and when the patient agreed? Poll: Which record is hardest to maintain, consent notes, plan updates or follow-ups?

Good documentation supports safer practice and may assist when insurers assess allegations. Review your professional indemnity and related insurance arrangements with a broker who understands dental practice risks.

Follow Business Insurance Consulting for more Brisbane and Queensland business risk tips.
Facebook: https://www.facebook.com/busincoCraig
LinkedIn: https://au.linkedin.com/company/business-insurance-consulting
[email protected]
0412 212 099
https://businessinsuranceconsulting.com.au

Disclaimer: This info is general advice only and doesn't consider your personal goals or financial situation. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Business Insurance Consulting Pty Ltd ACN: 646168096 CAR No: 1278410 Authorised Representative of Community Broker Network - AFSL 233750

10/10/2026

Queensland horse riding schools: can your records show how each rider, horse and activity were matched?

Before the next lesson, confirm:
☐ Register: rider level, horse, activity and instructor
☐ Suitability, helmets, tack and equipment checked
☐ Incidents, near misses and weather decisions logged
☐ Parent consent current; instructor and contractor duties clear
☐ Emergency procedures and supervision responsibilities understood

Poll: what needs the most attention? A Registers B Horse matching C Equipment D Emergencies

For Brisbane and Queensland operators, clear records make supervision decisions easier to explain and review. Check the list with your team before the next session.

Follow Business Insurance Consulting for more tips on protecting your Queensland business.
Facebook: https://www.facebook.com/busincoCraig
LinkedIn: https://au.linkedin.com/company/business-insurance-consulting
[email protected] | 0412 212 099 | https://businessinsuranceconsulting.com.au

Disclaimer: This info is general advice only and doesn't consider your personal goals or financial situation. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Business Insurance Consulting Pty Ltd ACN: 646168096 CAR No: 1278410 Authorised Representative of Community Broker Network - AFSL 233750

10/10/2026

A water leak can ruin fabric stock, contaminate machinery and delay customer orders.

For Queensland textile manufacturers, review:
1. Water-damage limits for fabric, yarn and finished stock
2. Machinery cleaning, testing and replacement costs after contamination
3. Product liability and recall preparation, including collection and disposal

Quick poll: which risk needs attention first? 1 Water 2 Machinery 3 Recall. Comment 1, 2 or 3.

Local expertise and clear general advice can help identify gaps across property, machinery breakdown, business interruption and liability insurance before a loss.

Follow Business Insurance Consulting for more Queensland business insurance tips.
https://www.facebook.com/busincoCraig | https://au.linkedin.com/company/business-insurance-consulting
[email protected] | 0412 212 099 | https://businessinsuranceconsulting.com.au
1300 002 623 | [email protected]

Disclaimer: This info is general advice only and doesn't consider your personal goals or financial situation. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Business Insurance Consulting Pty Ltd ACN: 646168096 CAR No: 1278410 Authorised Representative of Community Broker Network - AFSL 233750

10/10/2026

Commercial fishing operators: which control is hardest to maintain, quota and licence records, catch ownership, cold-storage handovers, vessel downtime decisions, crew records, weather planning or product traceability?

A quick records check can help reveal gaps before an incident. Keep quota and licence documents current, record who owns the catch, confirm each cold-storage handover, and document downtime, crew, weather and traceability decisions.

Poll: What is hardest?
A. Quota and licences
B. Catch ownership
C. Weather and downtime
D. Traceability and crew

General advice can help you review whether your insurance arrangements reflect how your Queensland fishing operation actually works.

Follow Business Insurance Consulting for more tips on protecting your Queensland fishing operation.
Facebook → https://www.facebook.com/busincoCraig
LinkedIn → https://au.linkedin.com/company/business-insurance-consulting
[email protected] | 0412 212 099 | https://businessinsuranceconsulting.com.au

Disclaimer: This info is general advice only and doesn't consider your personal goals or financial situation. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Business Insurance Consulting Pty Ltd ACN: 646168096 CAR No: 1278410 Authorised Representative of Community Broker Network - AFSL 233750

10/10/2026

Brisbane and Queensland businesses: a paid claim may not fund a full recovery. Today’s headlines are a reminder to check the details behind your cover.

Hollard’s $2 million fine, the first civil penalty of its kind under the Insurance Contracts Act, highlights the importance of clear disclosure, correspondence and claim records. QBE’s Recovery Gap Report warns that businesses may fail despite paid claims when support runs out too soon. Check your business interruption (BI) indemnity period and extra expense limits, not just your property sum insured.

CFC has expanded cyber cover with executive protection, AI-related cover and an 18-month BI period; separate analysis also flags growing AI-related cyber risk. Review cyber limits, waiting periods and AI or technology wording. A late or missed claim notification can put a claim at risk, so make notification responsibilities clear.

Checklist: review BI and extra expense limits; keep disclosure and claim records; check cyber limits, waiting periods and AI wording; name an authorised claim notifier; start renewals early. Poll: What would you review first? A) BI period B) Cyber wording C) Claim notifications D) Records and disclosure.

Explore the latest guides: Business Interruption Insurance Queensland; Business Insurance Brisbane, Business Insurance Ipswich and Business Insurance Logan; Trades Insurance Queensland: https://businessinsuranceconsulting.com.au/blog

Follow Business Insurance Consulting for more general advice and local expertise. Facebook: https://www.facebook.com/busincoCraig | LinkedIn: https://au.linkedin.com/company/business-insurance-consulting

[email protected] | 0412 212 099 | https://businessinsuranceconsulting.com.au

Disclaimer: This info is general advice only and doesn't consider your personal goals or financial situation. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Business Insurance Consulting Pty Ltd: ABN 18 646 168 096 CAR No: 1278410 Authorised Representative of Community Broker Network - AFSL 233750

10/10/2026

A routine termite treatment in a Brisbane home can turn into a claim if chemical drift reaches a neighbouring unit or garden bed, a fish tank is affected, flooring is damaged, or someone re-enters a treated area too soon.

For Queensland pest and termite businesses, check your risk controls and insurance cover for:
• Chemical drift and off-target damage
• Secure storage, transport and records for restricted and scheduled chemicals
• Damage to client property and fixtures, including re-treatments after a failed treatment
• Subcontractors’ qualifications, licences and insurance
• Business interruption after chemical, equipment or vehicle loss, and cover for rigs and gear used across multiple sites

Keep treatment records, follow product directions, explain re-entry instructions, and review your cover as your work or equipment changes. Business Insurance Consulting shares general advice and local expertise for Queensland businesses.

Poll: Which exposure is hardest to manage, chemical drift, property damage, subcontractors or equipment downtime?

Follow Business Insurance Consulting for more Queensland business risk insights.
Facebook: https://www.facebook.com/busincoCraig | LinkedIn: https://au.linkedin.com/company/business-insurance-consulting
[email protected] | 0412 212 099 | https://businessinsuranceconsulting.com.au

Disclaimer: This info is general advice only and doesn't consider your personal goals or financial situation. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Business Insurance Consulting Pty Ltd: ABN 18 646 168 096 CAR No: 1278410 Authorised Representative of Community Broker Network - AFSL 233750

Business Insurance Consulting is a risk management and insurance brokerage headed by Craig Graham in Australia. Learn more

10/10/2026

One lift can expose a Queensland crane hire business to serious risk, especially when planning, site conditions and contract responsibilities are unclear.

Before each job, check that your records cover:
☐ A documented lift plan and verified load weight
☐ Ground conditions, outrigger placement and access risks
☐ Clearly marked exclusion zones and communication procedures
☐ Weather and wind limits, including changing Queensland conditions
☐ Current operator licences, training and competency records
☐ Photos and written evidence of any damage before and after the lift
☐ Clear contract terms stating who is responsible for site preparation, damage and delays

These controls can help demonstrate how the lift was planned and managed if a claim or dispute arises. Your insurance should also reflect the work you actually perform, including hired equipment, public liability, damage to customers’ property and responsibilities accepted under contract.

Poll: What is the biggest crane hire risk on your jobs? A) Ground conditions B) Weather C) Load verification D) Contract responsibilities. Comment with A, B, C or D.

Follow Business Insurance Consulting for more Queensland business insurance tips.
Facebook: https://www.facebook.com/busincoCraig
LinkedIn: https://au.linkedin.com/company/business-insurance-consulting
[email protected] | 0412 212 099 | https://businessinsuranceconsulting.com.au

Disclaimer: This info is general advice only and doesn't consider your personal goals or financial situation. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Business Insurance Consulting Pty Ltd ACN: 646168096 CAR No: 1278410 Authorised Representative of Community Broker Network - AFSL 233750

Business Insurance Consulting is a risk management and insurance brokerage headed by Craig Graham in Australia. Learn more

09/10/2026

Supplier insolvency can turn a Queensland holiday booking into refund demands, chargebacks and cash-flow pressure.

Keep a live client-deposit register, reconcile supplier payments, save booking records and document refund terms. Set a response plan for client updates, approval limits, refund pathways and backup suppliers.

Quick check: can your team identify every open booking, amount held and next action today? Comment “CHECK” if this belongs on your risk agenda. A local Queensland insurance broker can help you review how professional errors, cyber, crime, business interruption and supplier failure may be treated under your policies.

Follow Business Insurance Consulting for more Queensland travel risk tips.
https://www.facebook.com/busincoCraig
https://au.linkedin.com/company/business-insurance-consulting
[email protected] | 0412 212 099 | https://businessinsuranceconsulting.com.au
Disclaimer: This info is general advice only and doesn't consider your personal goals or financial situation. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Business Insurance Consulting Pty Ltd ACN: 646168096 CAR No: 1278410 Authorised Representative of Community Broker Network - AFSL 233750

09/10/2026

Settlement day is no time to trust changed bank details in an email.

Brisbane and Queensland conveyancers: verify via a known number on file, not by reply. Match approved instructions, record who confirmed them and when, and use secure document handling.

Checklist: known-number call ✓ approval record ✓ secure transfer ✓ original email, headers and screenshots preserved ✓

Suspicious? Stop, don’t click or reply, escalate and preserve evidence.

Poll: missed most often, verification, records or evidence? Comment below.

Follow Business Insurance Consulting for Queensland risk tips.
https://www.facebook.com/busincoCraig
https://au.linkedin.com/company/business-insurance-consulting
[email protected] | 0412 212 099
https://businessinsuranceconsulting.com.au

Disclaimer: This info is general advice only and doesn't consider your personal goals or financial situation. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Business Insurance Consulting Pty Ltd ACN: 646168096 CAR No: 1278410 Authorised Representative of Community Broker Network - AFSL 233750